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Take Control of Your Credit Score

Expert guidance to repair your credit, dispute inaccurate items, and build a stronger financial future. We have helped thousands reclaim their creditworthiness.

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750
Your Goal Score
How It Works

Three Simple Steps to Better Credit

Our proven process makes credit repair straightforward and stress-free.

01

Free Credit Analysis

We pull and review your credit reports from all three bureaus, identifying errors, outdated items, and opportunities for improvement.

02

Dispute & Repair

Our team files strategic disputes with creditors and bureaus, challenging inaccurate or unverifiable negative items on your behalf.

03

Watch Your Score Rise

Track your progress as items are removed and your score improves. We provide regular updates and ongoing support throughout.

Our Services

Comprehensive Credit Solutions

Everything you need to rebuild and maintain a healthy credit profile.

Credit Report Analysis

Thorough review of your Equifax, Experian, and TransUnion reports to find every disputable item.

Dispute Filing & Management

Strategic dispute letters and follow-ups to get inaccurate, unfair, or unverifiable items removed.

Debt Strategy & Planning

Personalized plans to tackle debt efficiently, including negotiation strategies and payment optimization.

FICO Score Monitoring

Ongoing monitoring and alerts so you always know where your score stands and catch issues early.

Identity Theft Recovery

If fraud has damaged your credit, we help you dispute fraudulent accounts and restore your identity.

Credit Building Education

Learn the habits and strategies that keep your credit strong for years to come.

700+
Average Score Target
10,000+
Items Disputed
98%
Client Satisfaction
15+
Years Experience
FAQ

Frequently Asked Questions

Get answers to the most common credit repair questions.

A FICO score is a three-digit number (ranging from 300 to 850) created by the Fair Isaac Corporation. Lenders use it to evaluate your creditworthiness when you apply for loans, credit cards, mortgages, and more. The score is calculated based on five factors: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). A higher score means better rates and more options.
Most clients begin seeing results within 30 to 45 days after the first round of disputes. However, the full process typically takes 3 to 6 months depending on the number and complexity of items on your reports. Some cases may resolve faster, while others with extensive negative history may take longer. We keep you updated throughout the entire process.
Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable. If the credit bureau or creditor cannot verify the item within 30 days, they are legally required to remove it. Many negative items, including late payments, collections, and charge-offs, can be successfully disputed and removed.
No. Disputing items on your credit report does not negatively impact your score. In fact, the goal of credit repair is to remove inaccurate negative items, which should improve your score. The dispute process itself is a legal right protected by federal law, and credit bureaus cannot penalize you for exercising it.
Credit repair focuses on removing inaccurate or unverifiable negative items from your credit reports to improve your score. Credit counseling, on the other hand, helps you manage existing debt through budgeting advice and debt management plans. Both can be valuable, but credit repair directly targets the errors and unfair marks that are dragging your score down.
Absolutely. Credit repair is 100% legal and protected under federal law. The Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA) give consumers the right to dispute inaccurate information and work with organizations to improve their credit. You can do it yourself or hire a professional credit repair company to handle the process for you.
Testimonials

What Our Clients Say

Real stories from people who transformed their credit.

★★★★★
"I started with a 520 and thought I would never qualify for anything. After working with RepairMyCreditFICO for five months, my score jumped to 740. I could not believe it. They disputed old collections and late payments that should not have been there in the first place."
MJ
Marcus J.
520 to 740 in 5 months
★★★★★
"I had three collections on my report from medical bills that were not even mine. The team got all three removed within 60 days. My score went up over 100 points and I finally got approved for a new car loan at a great rate."
SR
Sarah R.
3 collections removed in 60 days
★★★★★
"My wife and I dreamed of owning a home but our credit was holding us back. RepairMyCreditFICO helped us clean up both our reports. Six months later, we closed on our first house. Best investment we ever made."
DW
David W.
Qualified for mortgage after repair

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